Utmost Group plc is a leading global provider of insurance-based wealth solutions, serving high net worth and ultra high net worth clients through a diversified international platform. Utmost partners with a global network of professional intermediaries to deliver tailored, tax efficient and multi jurisdictional solutions designed to meet complex, long-term wealth planning needs.
With over £100 billion of assets under administration, Utmost operates across the UK, Europe and international markets. The Group’s capital light, fee based business model generates highly visible, recurring revenues, supported by longstanding client relationships, strong retention and disciplined cost management.
Utmost combines scale, specialist expertise and operational excellence to deliver sustainable growth and long-term value for clients, partners and shareholders.
Our business model is based on our strengths and expertise and delivers robust returns to our stakeholders.
OUR PURPOSE
We are dedicated to making a positive difference, building a brighter future for our clients, and better serving all stakeholders.
Our purpose is shaped by how client needs are evolving.
As wealth grows increasingly global, mobile and intergenerational, clients and advisers face rising complexity, from cross border regulation and tax considerations to longevity planning and succession. In parallel, there is greater emphasis on long-term outcomes, certainty and trust, rather than short term performance alone. These developments are giving rise to clear demand drivers across our markets.
The markets we serve are being driven by several structural forces:
- Increasing globalisation of wealth, as clients live, work and invest across multiple jurisdictions
- Growing complexity in regulation and tax, heightening the need for specialist expertise
- Longer planning horizons, driven by longevity, intergenerational wealth transfer and estate planning
Together, these drivers are increasing demand for long-term solutions that can protect assets, provide flexibility and deliver confidence across changing personal and regulatory circumstances.
These demand drivers are accelerating adoption of insurance-based wealth solutions, which are specifically designed to address long-term wealth protection, structuring and succession needs.
Despite this, these solutions remain under penetrated relative to the scale of global high net worth wealth, creating a significant structural opportunity for specialist providers. This opportunity is reinforced by high barriers to entry, including regulatory authorisation, capital strength and operational expertise, which favour established, trusted platforms.
Our business model and customer journey
Designed to convert this structural demand into sustainable value, while remaining true to our purpose.
01
Attract and Engage
We attract and engage clients across our global footprint.
Our advantage
Established and long-serving relationships with intermediaries, supported by deep technical expertise and a broad distribution network.
Why clients choose Utmost
Our broad range of product offerings, alongside our capabilities to tailor for individual needs, enable us to adapt our propositions to serve a breadth of client requirements. Our strong technical team has the experience and expertise to curate solutions to ensure the best quality outcome for our clients.
02
Serve and Retain
We are committed to providing good outcomes and building enduring relationships with our clients.
Our advantage
Tax-efficient solutions, based on simple, globally recognised insurance fundamentals.
Why clients choose Utmost
Clients have access to a breadth of investment options delivered via direct and intermediated distribution channels. We are investing in digital tools that deliver greater self-service functionality, empowering our clients and enabling our client service teams to focus on servicing the more complicated client needs.
03
Meet client needs
We understand our clients needs and adapt and evolve our product offering to respond appropriately.
Our advantage
Equipped to respond to the changing demands of the global HNW and UHNW community.
Why clients choose Utmost
Our proposition is a trusted by the global HNW and UHNW community. Long-term wealth planning product. It gives clients access to a wide investment universe through a portable, long-term solution built on robust, recognised unit-linked fundamentals.